Personal Lines

STDs and the Personal Auto Policy: Part 2 of 3

While the ISO personal auto policy appears to wholly exclude any coverage for a person contracting a STD in an auto, this is not necessarily true of all coverage forms.…

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STDs and the Personal Auto Policy: Part 1 of 3

Does the personal auto policy extend coverage for a STD supposedly contracted in an insured auto? Well, “disease” is within the definition of bodily injury and there is no specific…

Understanding the Unique Facets of Flood Insurance: CBRA Zones and Otherwise Protected Areas (OPAs)

Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

History of Flood Mitigation and Insurance Laws

From a flood insurance perspective, how did we get to where we are? Flood insurance is colorful enough on its own, but reading the history makes it even weirder.

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